American Express Aeroplan Card vs. TD Aeroplan Visa Infinite

Head-to-Head: American Express Aeroplan Card vs. TD Aeroplan Visa Infinite

To the point Here's our comparison of two very similar cards: the American Express Aeroplan Card and the TD Aeroplan Visa Infinite Card.

TD and American Express Canada offer two Aeroplan credit cards for travellers:

Welcome bonus

The welcome bonus offered by each of these cards varies according to the promotions.

Here is how the current offer is structured:

With this welcome offer for the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points.

Here’s how:

  • 10,000 Aeroplan points after first purchase
  • 20,000 Aeroplan points, if you spend $6,000 within 180 days of account opening
  • 20,000 Aeroplan points when you spend $10,000 within 12 months of account opening

Based on our valuation of Aeroplan points (2 cents per point), this Welcome Bonus is worth approximately $1,000.

With this welcome offer, the American Express® Aeroplan®* Card, you can earn up to 40,000 Aeroplan points.

Here’s how:

  • 3,000 Aeroplan Points after $1,000 in Card purchases per month for the first 10 months (up to 30,000 Aeroplan Points)
  • 10,000 Aeroplan points when you make a purchase within 14 to 17 months of joigning

Based on our valuation of Aeroplan points (2 cents per point), this welcome bonus corresponds to an approximate value of $800.

Advantage: TD

With the TD® Aeroplan® Visa Infinite* Card, you could earn 30,000 points after six months by spending $6,000. However, if you spend an additional $4,000 in the first 12 months, you’ll earn an additional 20,000 Aeroplan Points.

Whereas on the American Express® Aeroplan®* Card side, you’ll need to spend $1,000 a month for ten months to earn up to 30,000 points.

Minimum income

The TD® Aeroplan® Visa Infinite* Card requires an annual personal household income of $60,000 or $100,000.

The American Express® Aeroplan®* Card does not require a minimum income.

Advantage: American Express

Like the vast majority of American Express cards, this Aeroplan card requires no minimum income. If this is important to you, this card is much easier to get.

Whereas the TD® Aeroplan® Visa Infinite* Card requires a higher income.

Annual fee

The TD® Aeroplan® Visa Infinite* Card has an annual fee of $139.

The American Express® Aeroplan®* Card has an annual fee of $120.

Advantage: American Express

If you want to keep your Aeroplan credit card long-term, the American Express card has a lower annual fee ($120 vs. $139 on the TD side).

Standard earning rate

The two cards offer different point earning rates.

Earning rates

With the TD® Aeroplan® Visa Infinite* Card, you get different levels:

  • 1.5 points per dollar on gas, groceries, Air Canada and Air Canada Vacations
  • 1 point per $1 on all other purchases

With the American Express® Aeroplan®* Card, you earn:

  • 2 points per dollar on eligible Air Canada and Air Canada Vacations purchases
  • 1.5 points per dollar on restaurant, bar and home delivery purchases
  • 1 point per dollar on everything else
Advantage: TD

The American Express® Aeroplan®* Card restricts its highest earning rate to Air Canada and Air Canada Vacations. If you do a lot of spending with these companies, this will benefit you.

With restaurant expenses, you earn 1.5 points per dollar with the American Express Card. Thus, you will get more points with it than with the 1 point of the TD card.

But the TD® Aeroplan® Visa Infinite* Card wins the battle. Since the biggest budget items are groceries and gas, this card is more advantageous: 1.5 points per dollar. It’s better than American Express.

Finally, the game is tied for the other purchases: 1 point per dollar with both cards.

Redeeming points

Both cards are designed for travellers who earn Aeroplan points.

These points are used to book airline tickets with Air Canada, Star Alliance and partner airlines. Browse the Aeroplan flight rewards chart.

You can also use your Aeroplan points for hotel reservations, car rentals or vacation packages with Air Canada Vacations.

With the TD® Aeroplan® Visa Infinite* Card, you earn Aeroplan points only.

With the American Express® Aeroplan®* Card, you earn Aeroplan points only.

It's a tie !

Since both are used to earn Aeroplan points and both are co-branded Aeroplan cards, there is no one card that is better than the other.

Each month, both card transfer points to the cardholder’s Aeroplan account a few days after the statement is issued.

Once Aeroplan Points are in the Aeroplan account, there is no way out: you must use them only within the Aeroplan program. Then, as long as you hold either of these card , your Aeroplan points do not expire.

The Benefits

With the TD® Aeroplan® Visa Infinite* Card, you’ll have:

  • Free first checked bag for you and up to 8 people travelling on the same reservation
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases
  • $100 account credit every 48 months for NEXUS membership or renewal fees
  • Access to Visa Infinite benefits (concierge, luxury hotel collection, vineyard tours, additional travel benefits)
  • Many promotions with Aeroplan (Aeroplan points rebates, discounts on flights, credits or Aeroplan points to the account, link your account with Starbucks)

With the American Express® Aeroplan®* Card, you receive the following benefits:

  • Free first checked bag for you and up to 8 people travelling on the same reservation
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases
  • American Express Experiences allows you to purchase tickets to popular events (concerts, plays and special events) before anyone else
  • Wide variety of American Express promotional offers (statement credits on a variety of purchases made at many retailers)
It's a tie !

Because the TD® Aeroplan® Visa Infinite* Card has more advantages in terms of numbers, it would be a winner.

But it is interesting to analyze those of the American Express® Aeroplan®* Card. In fact, some of these offers are not limited to Air Canada or Aeroplan. They affect many different retailers (1Password, Marriott Bonvoy, Quickbooks, TurboTax, Columbia, Kinton Ramen, etc.).

The choice is yours on this point, as your lifestyle will determine this winner.

Insurance

Insurance Td Visa Infinite Aeroplan New Amex Aeroplan New
Trip Cancellation Insurance Up to $1,500 None
Trip Interruption Insurance Up to $5,000 None
Out of Province/Country Emergency Medical Insurance Up to $2,000,000
21 days
None
Flight delay insurance Up to $500
after 4 hours
Up to $500
after 4 hours
Misdirected Baggage Insurance Up to $1,000
after 6 hours
Up to $500
after 4 hours
Lost or stolen luggage insurance Up to $1,000 Up to $500
Hotel Burglary Insurance Up to $2,500 Up to $500
Car Rental Theft and Damage Insurance Up to $65,000 Up to $85,000
Travel accident insurance $500,000 $500,000
Buyer’s Assurance® Protection Plan 1 additional year 1 additional year
Purchase Protection® Plan Up to $1,000
90 days
Up to $1,000
90 days
Advantage: TD

The insurance offered by the TD® Aeroplan® Visa Infinite* Card is superior. It offers cancellation, trip interruption and emergency medical expenses, which its counterpart does not have at all.

Bottom Line

So? Who is the big winner?

For all its features, and thanks to better insurance, the TD® Aeroplan® Visa Infinite* Card wins the match!

However, if the $60,000 minimum income requirement is too much for you, the American Express® Aeroplan®* Card is an excellent replacement.

The TD® Aeroplan® Visa Infinite* Card stands out thanks to:

  • its earning rate
  • its superior travel insurance

The American Express® Aeroplan®* Card stands out thanks to:

  • No minimum income
  • Promotional offers partly offsetting the cost of the annual fee
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4.4 Milesopedia Rating
Jean-Maximilien
Jean-Maximilien is an expert in Canada and France about Loyalty programs, Credit cards and Travel. He is the Founding President of Milesopedia.

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